23 years old, do I need insurance?

Insurance is required. Although the age of 23 is the stage with the least health risk in a person's life, and it seems that insurance is not needed, but people not only have health risks, but also many other risks, such as accidents. In addition, young people are now facing more and more work pressure, life pressure, and there are often reports of young people dying suddenly due to overtime work in the newspapers, so don't worry about whether young people want to buy insurance.

Social security is standard, and other accident insurance, million medical insurance, and other commercial insurance are also worth considering.

Insurance is required.

There are two main aspects of household economic risk:

One is the risk of income interruption, 1) critical illness will lead to income interruption, generally critical illness needs 3-5 years of **, these 3-5 years people lie in the hospital**, there is no income, so critical illness insurance is needed to deal with this risk, it is recommended that the insured amount of critical illness should be 3-5 times the annual income.

At the age of 23, the premium for applying for critical illness insurance is not too high, and if you pursue cost-effectiveness, you can choose to apply for consumer-based critical illness. However, the sum insured must be sufficient, otherwise it will not solve the actual problem.

2) The risk of death will lead to income interruption, generally after death, the family needs 5-10 years to recover, so it is recommended that the insurance of life insurance is 5-10 times the annual income.

At the age of 23, apply for term life insurance, which can be insured until the age of 60, with an insurance amount of 1 million yuan and a premium of several hundred yuan a year.

3) The risk of disability leads to income interruption, disability is more serious than death, not only income may be interrupted, but also a large amount of expenditure is required in the later stage, and disability is paid according to the disability level of the accident insurance amount, so the sum insured is generally recommended to be set at 1-2 times of life insurance.

The second is the risk of large medical expenditures, medical insurance is the perfect solution to this problem, generally do not go to special needs and private hospitals, millions of medical treatment can be, 2 million insured, 23-year-old annual premium of about 2-300.

Then, there is the pension, life and other types of insurance. Plan ahead for retirement. There are two main aspects of household economic risk:

One is the risk of income interruption, 1) critical illness will lead to income interruption, generally critical illness needs 3-5 years of **, these 3-5 years people lie in the hospital**, there is no income, so critical illness insurance is needed to deal with this risk, it is recommended that the insured amount of critical illness should be 3-5 times the annual income.

At the age of 23, the premium for applying for critical illness insurance is not too high, and if you pursue cost-effectiveness, you can choose to apply for consumer-based critical illness. However, the sum insured must be sufficient, otherwise it will not solve the actual problem.

2) The risk of death will lead to income interruption, generally after death, the family needs 5-10 years to recover, so it is recommended that the insurance of life insurance is 5-10 times the annual income.

At the age of 23, apply for term life insurance, which can be insured until the age of 60, with an insurance amount of 1 million yuan and a premium of several hundred yuan a year.

3) The risk of disability leads to income interruption, disability is more serious than death, not only income may be interrupted, but also a large amount of expenditure is required in the later stage, and disability is paid according to the disability level of the accident insurance amount, so the sum insured is generally recommended to be set at 1-2 times of life insurance.

The second is the risk of large medical expenditures, medical insurance is the perfect solution to this problem, generally do not go to special needs and private hospitals, millions of medical treatment can be, 2 million insured, 23-year-old annual premium of about 2-300.

Then, there is the pension, life and other types of insurance. Plan ahead for retirement.

Therefore, no matter what age you are, you need to buy insurance.

You can buy insurance, regardless of age. If conditions permit, you can buy some insurance with annuity, or value-added insurance. When you are older, you can buy life insurance.

Accident insurance is purchased directly at the company. It mainly depends on whether you need these insurances, but also depends on your own conditions and what type of insurance you want to buy.

If you need to buy insurance, you must first buy social security, because it is the welfare insurance given to us by the state, there is almost no threshold, and the premium is low, and it will be insured for a lifetime after paying until retirement age.

Social security covers a wide range of people, but there are only some deficiencies, such as some medical expenses need to be paid out of pocket and cannot be reimbursed, then commercial insurance is needed to supplement, only social security + commercial insurance is the perfect combination.

I think 23 years old of course also need to buy insurance, after all, there is a good saying, called the sky has unpredictable circumstances, people have good fortune and misfortune, no one knows what will happen tomorrow, or what will happen, so it is best to have an insurance to make your heart more steady, you can also have a protection. To buy insurance, you must go to a regular company and watch the insurance officer tell you that your insurance money will be paid to their company. Look at the insurance contract inside, and get rid of some of the holes in the insurance contract, you can consult a relevant lawyer to explain the terms of the insurance.

23 years old also need to buy insurance, buying insurance is also a kind of protection, and it cannot be said that you are not sick when you are young, but in case you get sick, you can give yourself a guarantee, now people are under pressure, and many diseases will appear at a young age, so it is necessary to buy insurance.

From a personal point of view, you need to buy insurance, but you need to choose the type of insurance. If it is rural, it is necessary to buy the new rural cooperative medical insurance. Find a job in a company that pays five insurances.

Personal accident insurance should be bought, but also depends on economic strength, 23-year-old may not be able to afford too expensive accident insurance, then you can buy insurance with a one-year insurance period. Commercial medical insurance feels that there is nothing worth buying on the market, almost all common diseases are excluded, and buying it is to send money to the insurance company to spend.

If you are 23 years old, you also need to buy insurance, as long as you have a certain financial ability and can afford the premium, it is best to give yourself some comprehensive protection. Because life is full of accidents, no one can guarantee that they will be healthy and healthy for the rest of their lives, and they are responsible for themselves and their families when they buy insurance. However, when buying insurance, you should have a clear understanding of the insurance product according to your actual needs, and then finally buy it.

Yes, the risk of accidental injury: If a person stays, eats, or travels outside, the risk of accident increases significantly, and you can buy accident insurance to avoid the risk.

Health and medical risks: irregular work and rest, diet, and pressure in work and life, the body's immunity is significantly reduced;

If you need a lot of medical expenses to get sick, you can buy millions of medical insurance and critical illness insurance to avoid such risks.

In addition, life insurance can also be considered, if you leave this world one day, at least leave some pension money for your parents.

Therefore, a complete insurance package should include: critical illness insurance, medical insurance, accident insurance, and term life insurance.

Hello, 23 years old, of course, you can buy insurance, because you have finished your studies, so you can buy medical insurance, or life insurance, and a guarantee for your personal safety in the future can also be invested as a financial product, and you can also get money when you retire in the future, and the younger you are, the cheaper the premium.

I don't think you need to buy insurance at the age of 23, because at this time you are in the growth period or in the light adulthood, I don't think there is any danger that you need to buy insurance, unless it's the kind of thing, because of overwork, or other reasons, you may need to buy insurance, but I think buying insurance can still prevent it.

There is no age limit to buy insurance, young people come out to work, they face many risks, 23 years old can buy insurance, the younger the age to buy insurance, it is also cost-effective, less investment and more returns! The more types of insurance you buy, the more cost-effective it will be for you! You can buy all kinds of insurance according to your own needs, personal accident insurance, etc.!

You also need to buy insurance at the age of 23. The first thing to buy at the age of 23 is domestic medical insurance, unemployment insurance, etc., if you have economic conditions, you can buy commercial insurance, such as critical illness insurance, personal accident insurance, etc., to enhance risk awareness, in case of emergency.

23-year-olds also need to buy insurance, three-year-olds, five-year-olds and 23-year-olds all need to buy, this is normal, because buying insurance, not um, a trivial matter, or or a dispensable thing, because buying insurance may mean that there is danger, that is, there is danger, there is no danger, to prevent danger you have to buy insurance, that's it, so it is right to buy insurance, 23 years old, you should buy insurance, physical health insurance or something else, traffic safety insurance, etc., you need to buy a special vehicle, there is mandatory insurance, well, There are also people who are flying strong, you can buy whatever you need.

At the age of 23, whether to buy insurance or not requires a specific analysis of specific issues. If you have not yet joined the work at the age of 23, you can consider buying a suitable type of insurance, such as endowment insurance, which will have a better return after retirement after joining the work in the future. If you are already working at the age of 23 and your employer's insurance program is relatively complete, there is no need for separate insurance; If the unit insurance is not complete, it is better to purchase pension and medical insurance by yourself.

23 years old, need to buy insurance. Because buying insurance has an extra protection, people don't know what will happen at all times, and with insurance, there is also a hope and reliable protection. Insurance is really important in modern society, it can cover personal problems, but also give a protection to the family.

So I think it's okay to buy insurance at the age of 23.

At the age of 23, you can consider buying insurance.

Mainly personal accident insurance and some basic types of social insurance, other insurances do not need much consideration at the moment.

If you are financially well-off, you can take out some commercial insurance.

There are a wide range of types of commercial insurance, but the annual expenses should not be outside of what you can afford.

In short, if you are 23 years old, you can buy insurance. But there should be some emphasis in the selection.

23 years old, also need to buy insurance. There is no age to buy insurance, and the sooner you buy it, the better. At the age of 23, when you come out to work, you will face more risks, first of all, you must buy social security, and you can also buy another insurance according to your actual income.

23 years old, it is best to buy insurance if you have the conditions, if you have already come out to work, the unit will buy social security, if you start your own business, you also need to buy insurance, and the purchase of insurance with basic protection can reduce the risk.

If you have an economic base, buy it. It is recommended to buy accident insurance first, critical illness insurance and term life first. Since accident insurance is relatively cheap, it is recommended that if the financial conditions are limited, you can configure an accident insurance and critical illness first.

Accident insurance goes without saying. Accidents are events that are beyond everyone's control. Especially young people, all aspects are on the rise, and the people and environments they come into contact with are relatively rich, and the probability of accidents may be relatively high.

Moreover, the accident insurance premium is low and the sum insured is high, which is a more practical and cost-effective type of insurance for young people whose income is still at a low point.

Critical illness insurance is used to leverage after illness. The price to pay for getting seriously ill, especially among young people. First of all, the cost of physical expenses and recuperation expenses is a large amount of expenses, and the cost of critical illness should be hundreds of thousands or millions.

And there is also a loss of income, and it is a very real problem to not be able to go to work after getting sick, and there will be no income for a long time. These costs add up to a difficult burden for an average family. Critical illness insurance is a benefit-based insurance that pays a lump sum as long as it is confirmed that the terms and conditions are met.

This will be of great help to your own illness** and the family's financial situation.

Regular life is mainly due to death, and in the 20 years after the age of 23, you will slowly develop into the breadwinner of the family. If the person is suddenly gone, the mental and financial impact on the family is very large. We can't control the mental blow, but we can control the influence of the economy.

Its role is mainly to leave a fortune to the family after the death of a person. The cost of term life is actually not expensive, for example, a term life of a certain expensive barley: if the insurance amount is 1 million at the age of 23, and the payment for 20 years is also 20 years, the annual premium is only 532 yuan.

It's still a good deal.

Critical illness and term life are both protection insurance, and the sooner you buy them, the better. First, it is in good health and easy to underwrite. The second is to save premiums.

With the same physical condition, the older you get, the more premiums you need to pay. Both critical illness insurance and life insurance are underwritten in advance. Physical conditions that meet the requirements of the insurance company can be underwritten.

With age, various health indicators of the body will decline, and now the living environment is declining, and many diseases tend to be younger, such as thyroid cancer.

Among the three types of insurance, critical illness insurance is the most expensive one. However, there are many types of critical illness insurance, and it is recommended to buy a pure consumption critical illness at the age of 23, which will be more cost-effective.

At the age of 23, you also need to buy insurance, and now many diseases are younger, and buying insurance is a kind of prevention, and it doesn't necessarily have to be sick, and it can be used when you need insurance, so I think that although you are young, it is also necessary to buy insurance.